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Business expert agents. Ready to get to work. Day one.

Solutions / SAIL for Insurance

Every submission captured.
Every policy issued right.
Every claim, fully accounted for.

From submission to settlement.

Brokers, MGAs, carriers, reinsurers and TPAs. Submission, underwriting, quote, issuance, billing, claims and bordereaux. SAIL connects every core system, portal and partner you already run, as it is, and keeps every risk traceable from first submission to final settlement. Underwriting and claim decisions stay with your people. AI proposes. Your policy authorises.

Book a demo →See it resolve

Everyone has AI. So do we.

Shave months off the build.
Activate SAIL on day one.

No replacement. No migration project. No pre-cleaning.

01

Every partner connected.

Brokers, MGAs, coverholders, carriers, reinsurers, TPAs and bureaus, over ACORD, API, portal, spreadsheet or email.

02

Every risk tracked.

Submission, quote, policy, endorsement, premium and claim linked to one insured and one risk.

03

Every binder monitored.

Delegated-authority limits, territories, classes and reporting deadlines, checked on every bordereau.

04

Every exception resolved.

Fix the data that can be proven. Route underwriting, coverage and claim decisions to the authorised owner, with the evidence attached.

Who’s using SAIL

medtronicboeingnikeadidasamazonuber freightemersonabbkeysightlockheed martinbaxterbdhaleonkawasakipaccarbechtelinternational paperlyondellbasellingram microwescofergusonessitynestescholasticbissellolamsgsweatherfordcoyote logisticsarrive logisticsechoverifonepanduitgopuffscoularclayton homes

Everyone has AI. So do we.

You have AI. We have AI.
Who builds the better insurance product?

The models are the same for everyone. Everyone has agents. What matters is what those agents know. Every SAIL agent carries 14 years of solved insurance problems, so AI builds a product shaped to your business outcome, not a generic one.

Everyone has agents. Ours are battle-tested insurance SMEs. Skip months of rebuilding what they already know.

The latest AI modelsEveryone
+
Agent frameworks & toolingEveryone
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14 years solving insurance, in productionOnly SAIL
=
A product built for your business outcomeLive in days

What our insurance agents already know

Submission / clearanceUnderwriting / quoteBind / issueEndorse / renewBilling / commissionsFNOL / claimsPersonal linesCommercial P&CSpecialtyLife & annuityDelegated authorityReinsuranceACORD AL3ACORD XML P&CACORD LifeACORD reinsuranceCoverholder reporting standardsLondon Market messagesBroker & carrier APIsRating bureaus

Always the perfect fit

A wrapper around your systems.
Whatever they look like.

However fragmented your landscape, wherever it runs and however old or new the technology, SAIL connects to it as it is. It becomes a perfect-fit wrapper around your systems, then switches on every insurance value-add service, AI-powered analytics and efficiency tool, instantly and on top of what you already run.

  • Data cleansingNot required
  • Migration or replacementNot required
  • IT work on your sideNot required
  • The whole, delivered the way you need itDay one
Activated instantly for insurance
Submission & intakeUnderwrite & quoteIssue & serviceFNOL & claimsBordereaux & reinsurance
SAIL · the perfect-fit layer
ConnectContextualiseRulesObserveResolve
Your systems, exactly as they are
Insureds & applicantsBrokers & agentsMGAs & coverholdersCarriers & core systemsReinsurers & marketsTPAs, adjusters & data providers
Old · new · internal · external · every partner
↓ Delivered as one whole that suits your need: applications · partners · teams · AI
14+Years in production
1B+Production transaction volumes
24×7Support included
99.99%Uptime SLA

Connect instantly across

Your whole network.
Systems stay in place.

SAIL links every participant’s data to the process it serves, in the format and protocol each one already uses.

Insureds & applicants

Submissions, documents, payments

Brokers & agents

Quotes, binds, commissions

MGAs & coverholders

Binders, bordereaux, delegated authority

Carriers & core systems

Policy, billing, claims

Reinsurers & markets

Treaties, cessions, settlement

TPAs, adjusters & data providers

Loss, reserves, third-party reports

From submission to settlement.

Every insurance workflow. One platform.

A few high-impact places to start. Each runs on the same connected data, rules and resolution cycle.

Submission & intake

Every submission in. Every field right.

Capture every channelBroker portals, ACORD forms, APIs, spreadsheets and emailed PDFs, normalised into one canonical submission.
Extract and validateSchedules of values, loss runs and applications checked for completeness before an underwriter opens them.
Clear and deduplicateThe same risk from two brokers is detected and routed for clearance, not quoted twice.
Acknowledge the brokerReceipt, missing items and status returned straight away, so nobody has to chase.

Underwrite & quote

Underwriters see the risk, not the paperwork.

Build the workbenchSubmission, third-party data, loss history and appetite rules on one screen.
Enrich from approved sourcesBureau, property and loss-history data attached with its provenance.
Enforce authorityLimits, referral triggers and approval levels applied by your published rules.
Quote and compareQuotes versioned and returned to the broker, each one traceable to its inputs.

Issue & service

Bind it once. Service it right.

Issue policiesPolicy, documents and e-signature generated from the bound quote, never re-keyed.
Process endorsementsMid-term changes versioned against the policy, with the premium effect calculated.
Run renewalsRenewal data assembled and sent before the deadline, with lapses flagged early.
Bill and collectPremium, instalments and payment-gateway receipts reconciled to the policy.

FNOL & claims

Every loss reported. Every claim owned.

Capture FNOL anywherePortal, phone notes, email, photos and partner feeds, in one canonical claim.
Match claim to coveragePolicy, period and insured verified. Coverage questions go to an adjuster, never auto-decided.
Triage by your rulesSeverity, line and complexity route each claim to the right team.
Run the exception consoleStalled claims, missing documents and reserve changes, each with an owner and a clock.

Bordereaux & reinsurance

Every bordereau clean before it moves.

Ingest any bordereauPremium and claims bordereaux in any layout, mapped to one canonical model.
Validate against the binderLimits, territories, classes of business and binder periods checked line by line.
Report to market standardsCoverholder reporting standards and reinsurance formats produced from the same data.
Reconcile commissionsBroker and MGA commission statements matched to written and collected premium.

Control tower

See what failed. See why.
See what was fixed.

One view joins failure groups, governed actions, holds and backend verification. Every record is accounted for.

SAIL CONTROL TOWERInsurance

Bordereau batch · 1,000 risk records

Live
1,000Records received
740Clean at intake
190Corrected & accepted
70Held for review
Failure cohortRecordsGoverned actionOutcome
Date / currency format90Approved format normalisation90 accepted
Class-of-business alias60Approved binder crosswalk60 accepted
Missing binder reference40Unique contract lookup40 accepted
Outside binder limit / territory45Delegated-authority review45 held
Potential sanctions match25Compliance specialist review25 held
Original retained→Cause identified→Correction staged→Revalidated→Backend verified

Illustrative data. Your rules, approval policy and systems define the actual outcomes.

Repair the bordereau before it reaches the carrier.

Before

  • 260 failing rows across spreadsheets, inboxes and re-keyed systems
  • Analysts check the same binder terms row by row every month
  • A submitted file mistaken for an accepted bordereau

With SAIL

  • 930 records accepted, 70 explicitly owned review cases
  • Every correction linked to the binder and the source row
  • No invented coverage. No duplicate risks.
01Ingest oncePreserve 1,000 original rows and identify 260 exceptions.
02Group the causesCluster by rule, coverholder, class and binder.
03Repair safelyCorrect 190 from approved evidence and hold 70.
04Prove the outcome930 accepted and 70 held, with nothing lost or duplicated.

Exception handling

Auto-correct. Hybrid. Manual.
You define the cycle.

Recovery closes only with backend evidence. AI proposes. Your policy authorises.

Auto-correct

When the fix can be proven from an authoritative source (a lookup, a master record, an approved mapping), SAIL corrects it, revalidates it and releases it. No touch, full evidence.

For exampleClass-of-business aliases on a bordereau are mapped from the approved binder crosswalk, revalidated and accepted: 60 of 60.

Hybrid

SAIL stages the correction with the evidence. Your team approves it in one step, for a single record or a whole cohort.

For exampleA mid-term endorsement changes the sum insured. The premium effect is staged with the policy, an underwriter approves it, and SAIL issues it once.

Manual

When judgement is needed, the record is held, owned and routed to the right expert with its cause, impact and SLA clock. Nothing is invented.

For exampleA risk written outside binder authority goes to the delegated-authority manager with the binder and the row. SAIL never infers coverage, never binds a risk and never auto-approves a claim.
Detect→Explain→Act→Revalidate→Verify

Continuous observability

Observe every step.
Measure every outcome.

Your data. Your rules. Your process. Your exceptions. Your recovery specifications.

01

Data elements

Completeness, format, extraction confidence and source

02

Business objects

Submission, policy, coverage, premium and claim integrity

03

Authority rules

Binder limits, appetite, referral triggers and approval levels

04

Process SLAs

Quote turnaround, issuance, FNOL acknowledgement and reporting deadlines

05

Exceptions

Cause, owner, approval, age and recurrence

06

Audit trail

Every decision, version and approver, queryable and replayable

Coverage

Broad connectivity.
Precise process context.

Standards, technologies, entities and workflows, natively supported and configured to your environment.

Every process

Submission / clearanceUnderwriting / quoteBind / issueEndorse / renewBilling / commissionsFNOL / claims

Lines & markets

Personal linesCommercial P&CSpecialtyLife & annuityDelegated authorityReinsurance

Industry standards

ACORD AL3ACORD XML P&CACORD LifeACORD reinsuranceCoverholder reporting standardsLondon Market messages

Partners & services

Broker & carrier APIsRating bureausThird-party data reportsPayment gatewaysE-signatureTPAs

Technologies

REST / SOAPAS2 / SFTPEvents / queuesJSON / XML / CSVSpreadsheetsPDF / email / OCR

Operational risks

Duplicate submissionOut-of-authority riskLate bordereauSanctions matchPremium leakageUnreconciled commission

Prove it

Bring your hardest cases.

We run these against your own data. Each has one correct answer, and SAIL gets it the same way every time.

Mixed bordereau

1,000 rows: 740 clean, 190 repairable, 70 outside authority or under review.

930 accepted + 70 held = 1,000.

Bind timeout

The core system issues the policy but the response is lost.

Status checked first; exactly one policy.

Out-of-authority risk

A coverholder writes a risk above the binder limit.

Held for the authority owner; never accepted silently.

Duplicate FNOL

The same loss is reported by the insured and by the broker.

One claim; both reports linked.

Every submission captured. Every policy issued right.
Every claim, fully accounted for.

Start with the systems and partners you already have. See your first verified outcome on day one.

Book a demo →See how SAIL works